The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
One option you might consider is return of premium term life insurance, which pays back your all or part of your premiums at the end of the term if you outlive the policy. Expect to pay more in premiums than you would on a comparable traditional term life insurance policy.